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How investors can benefit

Investing in the consumer credit asset class through LendingClub may provide solid returns and monthly cash flow.

5-7%

Historical returns*

LendingClub offers investors access to the consumer credit asset class, which has historically been available only to banks and large institutions until recently.

Learn more about historical returns

98%

of portfolios with 100+ Notes of similar size see positive returns*

Investors may avoid the ups and downs associated with the stock market because LendingClub Notes have low correlation to the stock market.*

See how diversification can reduce volatility

2-5%

Monthly cash flow*

As borrowers repay their loans, investors receive payments of principal and interest and can receive monthly cash flow ranging between 2–5%.

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150,000 +
Investors
1.5 Million +
Borrowers
26 Billion +
Invested

Here’s how the math works*

This hypothetical illustration shows how the LendingClub platform works for investors. As borrowers make payments on their loans, investors are paid monthly on their corresponding Notes, minus the impact of borrower defaults and LendingClub fees. Keep in mind that an investor's returns can vary based on many factors.

Average interest rate of corresponding borrower loans in investor portfolio*
14% interest rate
Average percentage of principal invested lost due to borrower defaults*
-8% expected losses
LendingClub fees*
-1% fee
Potential return
= 5% net return per year*

Various factors can impact individual portfolio results. Investors should review the prospectus and consult with an investment advisor prior to investing.*

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iOS mobile app

With our iOS mobile app, investors can invest in Notes, see current returns, update investment strategies, transfer money, and more.

Apple iOS App Store

Are you a Financial Advisor? Learn more about how you can add LendingClub Notes to your clients’ portfolios.
Are you an Institutional Investor or a Bank? Learn more about our partnership opportunities.